Schooling for my 14 year old is private and costs a lot of money with no assistance from the government. He could go to a government school but this is not the preferred choice. He is struggling now thanks to the narc father he has and is in therapy for this. The last thing he needs is to be uprooted not only from his home but from his school as well. My H claims he will pay for the kids education in any case, however, this is only effective if he is working. Should he die or fall ill then there would be nothing. My 19 year old is in University and is accruing what we call a HECS debt which means there is no money upfront but it will be garnished proportionately from her income when she graduates and works. I am not too sure about IMPUTED wages but it is certainly something I haven't heard about. My biggest concern is getting lumbered with half of the massive debt which would kill me (and kids and mum) and another huge consideration is my mum who is 83 years old and has nothing other than what we provide. Security is paramount to her and even a tweak of insecurity fills her with fear.